Description: From the 1960 Transactions Vol. 12 No. 32, this ‘Digest of Smaller Company Forum’ presentation discusses the industry trend toward lower premium life insurance policies in Canada and the U.S. The presenters address the extent to which this trend is occurring at smaller companies, steps being taken to encourage sales of policies with larger investment element, and the effects if future legislation were to provide additional tax benefits to policyholders.

Description: This discussion focuses on the advantages and disadvantages, from the viewpoint of smaller insurance companies in the United States and Canada, of entering the field of small pension plans. Considerations involve whether a smaller company entering the field should offer group annuities, and to what extent are special premium rates, plans of agents' compensation, and policy forms necessary for a smaller company to compete successfully for individual policy pension plans. From Transactions of Society of Actuaries 1961, Vol. 13, Pt. 2.